土地流转贷款风险评估与防控研究——以C银行为例

土地是农业之本、农民之根,是保障国家粮食安全和实施乡村振兴战略的重要物质基础。随着银行土地流转贷款规模逐年激增、产品模式逐渐饱和,如何做好信贷风险评估与防控,科学稳健支持农地发展是当下银行重点关注的方向和研究的课题。该文以C银行为研究对象,运用层次分析法、调查研究法及构建风险评估指标体系,对土地流转贷款进行风险评估,最终得出环境和政策风险指标等级较高,操作风险指标等级较低。

Land is the foundation of agriculture and the root of farmers,and it is also an important material basis for ensuring national food security and implementing the strategy of rural revitalization.With the rapid increase in the scale of bank land transfer loans year by year,the product model is gradually saturated,how to do a good job in credit risk assessment and prevention and control,scientific and steady support for the development of agricultural land is the current bank focus on the direction and research topic.This study takes C bank as the research object,uses the analytic hierarchy process,the method of investigation and research and the construction of risk assessment index system to evaluate the risk of land circulation loan,and finally obtains the result that the level of environmental and policy risk index is"high",while the operational risk index grade is"low".